Fast Decision
Same-Day Funding 2
Excellent Service
MLA Compliant
THE (ALMOST) STAR MILITARY LENDER
Rated Star by Those Who Serve. Real Stories. Real Service Members.
We offer battle-tested low rates swift approvals, exclusive perks for sailors, and watertight security superior to generic lenders.
Your service protects our nation. Our service protects your finances.
No predatory practices, no hidden fees—just honest lending for honest heroes.
WE ARE YOU
Founded by veterans, led by veterans. Proudly serving the military community for 50+ years as a top military employer.
“Taking care of the emergency financial needs of Sailors in a quick and caring way is the fundamental mission of Omni. We’ve been doing that with understanding and professionalism for the past 25 years here in Norfolk. We know who you are, and we know how to help you in the best way possible.”
– Dan Doyle, US Navy
LOCATE YOUR NEAREST OMNI BRANCH
2850 Main St suite g, San Diego, CA 92113
131 W Little Creek Rd, Norfolk, VA 23505
12638 Jefferson Ave unit 24, Newport News, VA 23603
1416 NW Sheridan Rd, Lawton, OK 73505
11013 Bridgeport Way SW, Lakewood, WA 98499
914A W Rancier Ave, Killeen, TX 76541
120 Grant Ave, Junction City, KS 66441
175 Freedom Way #5, Jacksonville, NC 28544
2292 Mayport Rd suite 11, Jacksonville, FL 32233
230 W General Screven Way, Hinesville, GA 31313
6256 Yadkin Rd suite 101, Fayetteville, NC 28303
3910 Dyer St suite e, El Paso, TX 79930
4393 Victory Dr suite c, Columbus, GA 31903
3731 Drennan Road, Colorado Springs, CO 80910
3095 Fort Campbell Blvd a, Clarksville, TN 37042
I’ve used Omni several times & always had a great experience. Really helped me out in a pinch. Very professional and pleasant, fast and efficient!
-Logan M.
Hit a bind in our PCS and Omni Financial was able to get us approved within a few hrs with our less than perfect credit. Very relieved and thankful for everything. Highly recommend.
-Sonia
NAVY LOANS FAQS
Who is eligible for a Navy loan through Omni?
Omni Navy loans are available to active duty and career-retired U.S. Navy service members who are 18 years or older and meet standard underwriting criteria. Loan amounts, rates, and terms may vary based on your state of residence.
How much can I borrow?
Navy loans range from $500 to $10,000. The exact amount you qualify for depends on your individual financial profile and state of residence. Apply online to see how much you can qualify for.
How fast will I get a decision?
Omni provides fast decisions on loan applications. Once approved, over half of loans are funded same-day via the Omni Debit Card or Zelle. Your branch team is available to help expedite the process.
How quickly will I receive my funds?
Once approved, you can choose to receive funds instantly via your Omni Debit Card or Zelle. Over half of approved loans were funded same-day from January through October 2024. You must apply and be approved before selecting the Omni Debit Card as your funding method.
Can I apply with bad credit?
Omni evaluates each application individually and has served the military community for 50+ years, including service members in a variety of financial situations. Applying does not guarantee approval, but we encourage you to apply and see what you qualify for.
Is Omni compliant with the Military Lending Act (MLA)?
Yes. Omni is fully MLA compliant, meaning your loan terms are governed by protections specifically designed for active duty service members and their dependents, including a cap on the Military Annual Percentage Rate (MAPR).
Are there any hidden fees?
No. Omni does not engage in predatory practices or charge hidden fees. The terms of your loan will be clearly disclosed before you sign, in accordance with federal lending regulations.
What can I use a Navy loan for?
Navy loans from Omni can be used for a wide range of personal needs — emergency expenses, car repairs, PCS move costs, medical bills, debt consolidation, or any other financial need that arises during your service.
Where are Omni branches located near naval installations?
Omni has branches near many naval installations, with locations in Tennessee including Nashville, Memphis, Knoxville, Franklin, and Jackson. Visit the Find a Branch page on omnimilitaryloans.com for a full list of locations near your installation.
How do I set up direct deposit for my loan repayment?
After your loan is approved, your branch representative will walk you through the direct deposit setup process. You’ll provide your routing and account numbers to your payroll office or DFAS to ensure automatic, on-time payments.
Is Omni endorsed by the U.S. government or the Navy?
No. Omni Financial is a state-licensed lender and financial technology company, not a bank, and is not endorsed by the U.S. Government or any federal office or agency. Omni Financial of Nevada, Inc. DBA Omni Financial. GA & WA: NMLS #1657851.
How do I get started?
Apply online at omnimilitaryloans.com or visit your nearest Omni branch. The application process is fast, and you can find out how much you qualify for in minutes.